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FTB advise please
Hi everyone. My husband and I wish to get a mortgage, i know very little about mortgage's except for what I read onthe net. His earnings - 12k My earnings - 9k We both have 2 defaults on our credit report too.. Do you think we would be able to get a mortgage? A affordability calculator online says we can get a mortgage for…
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Early Redemption Penalty - one month to go - HELP!
Hi. I have a situation with an early redemption penalty. My idiot of a solicitor paid by redemption fees to my mortgage broker 6 weeks before it was due to end. I have therefore, today, paid £5000 to my lender when I only had one month mortgage amount to pay until I was out of it with no penalties. I haven't spoken to the…
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With Profits Vs Unit Linked
If anyone can help me I would appreciate any input/advice. I am considering selling either one or both of my endowment policies as both are showing a shortfall and opting for a repayment mortgage. Can anyone tell me which one would be the most desirable to keep or to sell. Policy details are as follows: Loan Amount: £40k…
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What's in a number?
Hi :j Any advice, really appreciated! :cool: The last time I checked my file my credit score was 613, my OH has an excellent score. My question is will we get a mortgage if I have poor history but my OH has a perfect history? When applying for a mortgage and they perform a credit search, each lender differs with there…
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Advice needed
I want to buy a small property in Portugal and need a £40K mortgage to top up the amount that I already have. Ideally I would like an off set mortgage as I have about £30K in a stooze pot which could go to off set some of the interest. I would like to take the mortgage against my main house which I own outright. I know I…
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reclaiming re-mortgage arrangement fees ?
heard martin on write stuff today mention something about reclaiming arrangement fees if you remortgage....? anyone know more about what fees you can reclaim ? we went to bank we got mortgage with and re-fixed mortgage for another 2 yrs and took out extra and got charged something like £400 fee does this apply just…
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lloyds/CG mortgage
Hi Just a quick one, how long normally do the above take to send out mortgage offer after the valuation has taken place, application submitted on 15 February, was told an application error had occurred (yeh right) and valuation should take place today/tomorrow, do they usually do checks before valuation or after any help…
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the one account
is the one account eny good and how does it work
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can you advise of new deed of variation have been asked to sign
my 2 yr discount has expired and my building society have sent me choice of new products to move to. Enclosed is a deed of variation to sign asking me to sign to accept new terms and conditions. I am going brupt in few weeks, mortgage not included that will be ok. But one of debts is personal loan with bank, new conditions…
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Cemap
Hi, do any of the members here have any study mateerial or test exams that they would be willing to pass on as i have just enrolled for the cemap course to study at home. money being a little tight right now any information would be greatly recieved. scootsx200uk@yahoo.co.uk thankyou, Scoot
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High-rise mortgages
Does anyone know of a mortgage lender who will lend on a property above the 4th floor in an ex-local authority building in central London? Less than 50% of the apartments in the building are privately owned. Thanks!
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Would you fix?
I have 6½yrs remaining on my mortgage. I currently have a FD offset mortgage, discounted at .19% above base rate, which goes back to SVR (currently 6.25%) in about 18mths. I could fix my rate for 10yrs with FD at 5.49% for a cost of £395. What would you do?
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The Nightmare Mortgage Broker - Is there anything I can do?!
Hi, I have recently had a very painful re-mortgage experience with a broker from Dot Financial (part of Townends Estate Agenst) and I would like your opinions/advice on whether I can receive compensation. Basically, I moved at the beginning of January, but my 'old' mortgage wasn;t due for renewal til start of Feb, so we he…
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Mortgage Application
Hi Folks, My wife and I are currently in the process of applying for joint mortgage. I am employed, but my wife is self employed. The problem we have encountered is as follows... Here is an extract from a letter we recieved from the lender.... Please forward last 2 years Tax returns as recieved document not acceptable. We…
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Mortgage Application
Hi Folks, My wife and I are currently in the process of applying for joint mortgage. I am employed, but my wife is self employed. The problem we have encountered is as follows... Here is an extract from a letter we recieved from the lender.... Please forward last 2 years Tax returns as recieved document not acceptable. We…
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Alliance & Leicester Mortgage Admin Fees
Just got a letter from A&L offering £100. The original charge when I took the mortgage in dec 2000 was £75 I was charged £295 on leaving in dec 2004 - what do I do now? Has anybody had any luck with them? Have there been any developments yesterday (28th Feb)? Any help would be greatly appreicated. Thanks
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Endowment claim am I too late?
A while ago I got a call from a compny telling me I was probably entitled to compo for miss sold endownments. I chose to request the compo myself but have been told that I am too late. The broker told me I had to have claimed within 6 years and that even with a 3 year extended dead line I am too late. Is this correct, is…
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Want to buy a new house, need to increase mortgage
Are there any brokers out there who could help me secure mortgage - fed up with waiting for mine to call me back - he out and I need to put the deposit on today. Just need to know if its feasible.
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Can I claim?
I have recently changed from an endowment to a repayment mortgage staying with the same lender. To do this I had to pay £300.00 Can I claim any of this back. Also I paid a redemtion charge on another mortgage settlement in 2003, can I claim any of this also?
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remortgaging a BTL with no access
Thinking about remortgaging a BTL in the next few months. The problem is that tenants are in residence, so how will a lender view this with regards a valuation? I can show the AST to confirm the rental received. The LTV is 75% the rental. The mortgage is covered, just about, by the rental income but I could reduce the…
